Objective

A policy that provides benefits of two policies under a single plan by covering critical illnesses and, accidental death and disability.

Suited for

Anyone between 20 and 45 years of age is eligible to buy this policy on an individual basis.

What does it do?

It has been designed keeping in mind the supplementary policies that an individual buys in addition to a basic health policy to feel fully insured. It offers coverage of two different policies under a single policy. It pays a lump sum amount equal to the sum insured on confirmed diagnosis of any of the nine critical illnesses or accidental death or accidental permanent and total disablement. Apart from these, the policyholder will also be entitled to free health check-up after four consecutive claim-free years.

Pros

It will reduce paperwork.
This policy can be bought online.
Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.

Our View

This policy is recommended as it serves the purpose of two policies in a single plate. It halves the effort required to handle two different policies. Free health check-up at the end of four years is more of an incentive to increase loyalty among customers

Eligibility

Entry Age (years)

Minimum

20

Maximum

45

Maximum Policy Renewal Age (years)

50

Coverage Type

Individual

Policy Term (years)

1/3/5

Sum Insured (Rs)

Maximum

12 lakh

Minimum

3 lakh

Pre Policy Medical Check Up

Not required

Policy Termination

Either of the policyholder or insurer can terminate the policy by giving a 7 days notoce

Customer Service

Address

ICICI Lombard General Insurance Co. Ltd.
401-402, Interface Bldg; No.11,
Link Road, Malad (West),
Mumbai - 400064.

Mail to

customersupport@icicilombard.com

Call to

1800 2666

Network Hospitals

Https://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp

Scope Of Cover

Critical Illnesses

Covered

Cancer

covered

Coronary Artery Bypass Graft Surgery

covered

Myocardial Infarction(Heart Attck

covered

End Stage Renal Failure

covered

Major Organ Transplant

covered

Stroke

covered

Paralysis

covered

Heart Valve Replacement Surgery

covered

Multiple Sclerosis

covered

Accidental Death

covered

Accidental Permanent Total Disability(PTD)

pays upon permanent and total loss of limbs and sight due to an accident

Health Check-Up

covered upto Ra 1000 after every 4 consecutive claim free years with ICICI Lombard

Exclusions and Waiting Period

Pre-existing disease

not covered

No claim period

90 days from commencement of the policy

General Exclusions

congenital disease

Exclusions applicable to Accidental Death/ Permanent Total disability

permanent disablement prior to commencement of the policyAIDS or related condition